Financial Services

As an independent estate agent our primary focus is to source the right buyer for your property and we will always carefully qualify your prospective purchaser’s financial position before making a recommendation to accept an offer.

Whilst we do not sell mortgages or any other financial products we can recommend a local expert that will assist in securing competitive rates of funding for a purchase.

Ignite Financial Services Ltd

Buying a house is one of the biggest financial decisions that anybody will make in life. It can be a lengthy and complicated process. Our partners at Ignite Financial Services Ltd can provide you with suitable advice and will assist in making the home buying process as easy and stress-free as is possible. Ignite Financial Services do not charge any fees for their services. They will receive a commission payment by the lender or provider.

We can arrange appointments with Ignite at their office in Epsom or alternatively at your home, your place of work or at one of our four offices. Ignite advisors are available 7 days a week until 9pm for your convenience.

If a property search is just starting or is on-going, the first meeting will outline the process of buying a house and most importantly establish your budget and the maximum purchase price. Whether you are first time buyer, buying your next home, remortgaging or buying for investment Ignite can guide you through the financial process with access to 100’s of competitive products.

Following your meeting with Ignite an Agreement To Lend in Principle will be sourced which will give confidence to both a prospective purchaser and a seller of your financial ability to proceed. All mortgage applications are processed up to completion of contracts. Ignite Financial Services do not charge any fees for their services. They will receive a commission payment by the lender or provider.

Ignite Financial Services Guide click here

In general, Buy to Let mortgages are not regulated by the Financial Conduct Authority.

Patrick Gardner refer clients to Ignite Financial Services Ltd for the purposes of arranging and advising on mortgages and protection. Ignite Financial Services Limited is an appointed representative of PRIMIS Mortgage Network. PRIMIS Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products.

Patrick Gardner may also receive a commission (known as a Referral Fee) from our mortgage partner, Ignite Financial Services Ltd. We receive a Referral Fee when sellers and/or potential buyers use the services of Ignite. Should you decide to use Ignite’s services, you should know that we as a business anticipate to receive an annual commission benefit from them equating to about £250 per referral.

Your home may be repossessed if you do not keep up repayment on your mortgage.